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We love what we do, and it shows!

The highest compliment we can receive is a return client. We work so hard for our clients and they appreciate it!

Born into real estate, and 20 years into mortgage lending, I am able to help people see their financial needs from a 30k foot perspective.

Don't play checkers when you can play chess! Want to start a plan? www.stephanieham.com

This is one of the easiest JUMBO loans we have ever had in terms of underwriting. We put together a clean file and UWM did the rest!

Happy Friday! This loan is extra special because another lender said it could not be done...

New loan program from UWM! Excited to help our clients meet their purchase goals!

Because sometimes you have to wait on others... That's ok, we still closed early! Happy Homeowners are our SPECIALTY!

We were able to help this client buy her home with Down Payment Assistance. She is now in a safe community with her child. Looking to make your dreams come true? Even if you are not ready today, we can get you planning and working towards success in the future. www.stephanieham.com

FED DAY! And as expected, no change in the Fed Funds rate. However, The Fed announced plans for less "runoff", implementing one of their many tools to control the price and flow of money. Unless you love economics, you don't care much about balance sheet runoff normally so here is some background. Currently, the Fed allows up to $60 BILLION in Treasuries, and up to $35 BILLION in mortgage backed securities to be paid back each month. They have not been replacing that paid debt by purchasing new debt. This is called Quantitative Tightening and has been going on since June 2022. For perspective, the Fed's balance sheet was sitting at 9 TRILLION in June of 2022 and has declined to about 7.4 TRILLION as of last week. Their massive balance sheet doubled during COVID when the Fed believed inflation was "transitory". Today, we heard that starting June 1st, they will reduce the Treasury runoff to $25 BILLION. They will continue to let mortgage backed securities run off but will reinvest principal payments above that level into Treasuries. Hey Jerome, it's a start and the mortgage rates responded well! We will take it!! 🏠😜

Ready to go?

www.stephanieham.com for FREE TOOLS

We beat out the other offers by promising a 15 day or sooner close. Here we are delivering! Our client is over the moon excited to be days away from closing on his home.

We are thrilled and honored to win BEST Mortgage Company in Solano county! This recognition is a testament to the hard work, dedication and unwavering commitment of our incredible clients and team. Without your trust, support and loyalty this achievement would not have been possible. Thank you!

we serve all of California and would love the opportunity to assist you with your real estate goals !

An ode to my follow lovers of Real Estate!

Another happy homeowner coming on UP! A special story with these clients. We have been working with them for over 6 years! Where there is a WILL there is a WAY! Align with the BEST and we will do the REST!

Put your refund to WORK! Let's make a purchase plan and get you HOME.

Perspective is everything! Thanks Rob Chrisman for the awesome reminder today!!

Real estate is a great long term investment.